A fully functional HVAC system is essential for staying comfortable in Indianapolis’ snowy winters and humid summers, but as with any system, breakdowns happen. With a comprehensive HVAC insurance policy, you won’t be left out in the cold if your system runs into trouble.

Coverage When Your Warranty Ends

Most heating and cooling equipment comes with a limited parts warranty of five to 10 years and a longer warranty on major components such as the furnace heat exchanger and the AC compressor. Naturally, once the term is up, you’re on your own. There’s a good chance a less-critical component will wear out after the warranty expires but before it’s time to replace the whole system. With HVAC insurance, repairing or replacing that component won’t cost you.

If you accidently void the warranty by forgetting maintenance or using unapproved replacement parts, you might be left with no help from the manufacturer at all. HVAC insurance often has less-restrictive terms and will cover you as long as you’re paying the premium.

Broader Protection Than Your Homeowners Insurance

While your homeowners insurance most likely includes your HVAC system, most policies only pay for damage from specific “covered perils” such as fire, hail, or vandalism. Issues that arise from normal wear and tear or from accidental damage that you caused yourself are left up to you.

The problem here is that wear and tear is one of the most common causes of HVAC breakdowns. Regular professional maintenance helps, but even with optimal care, components wear out. HVAC insurance gives you more comprehensive coverage for common issues such as refrigerant leaks, burned-out motors and failed AC compressors. When it’s time to replace the whole system, some HVAC insurance policies cover that too. Because HVAC insurance covers a smaller part of your home than homeowners insurance, your deductible is likely to be lower, making it more practical to file a claim when you need to.

For help deciding whether or not HVAC insurance is a good investment for your home, contact us at Mowery Heating, Cooling and Plumbing.

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